3 Chatham St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 3 Chatham St, Gardner, MA 01440 · Last verified April 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	2 Beds
Bathrooms	1 Baths
Year Built	Built 1935
Square Footage	1,201 sqft Living Area
Lot Size	9,672 sqft (0.222 acres)
Occupancy	Owner Occupied
Last Sale	$142,000 (2016)
Tax Bill	$39.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`M:V-10 B:0016 L:0034`
Alternative APN	`GARD M:W12 B:17 L:34`

Interior

Bedrooms	2 Beds
Full Baths	1 Baths
Total Rooms	7 Rooms
Building Area	1,201 sqft Living Area
Gross Area	3,148 sqft Gross Area
Stories	2 Stories

Exterior

Year Built	Built 1935
Effective Year Built	Effective 1935
Architectural Style	Cape Cod Style
Exterior Material	Aluminum/Vinyl Exterior
Roof Construction	Gable Roof Construction
Roof Material	Asphalt Roof
Lot Area	9,672 sqft (0.222 acres)

Utilities and HVAC

Heating System	Steam Heating
Heating Fuel	Oil Heating Fuel

Location & Zoning

Street Address	3 CHATHAM ST
City	GARDNER
State	MA
Zip	01440-3605
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Block	17
Legal Lot Number	34
Jurisdiction	GARDNER MA
Minor Civil Division	GARDNER
Census Blockgroup	2
Census Block	2048
Census Tract	707100

Owner

Source: Worcester County and Gardner City records · APN M:V-10 B:0016 L:0034

Assessment roll updated April 14, 2026 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	3 CHATHAM ST, GARDNER, MA 01440-3605
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 14, 2016 · Amount on Record
Deed Sale	Apr 14, 2016 · Amount on Record
Prior Sale	Oct 22, 2015 · Amount on Record
Deed Book / Page	55189 / 29
Record Refreshed	Jun 08, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	3 CHATHAM ST, GARDNER, MA 01440-3605
Transaction Type	Mortgage
Record Updated	Jun 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	063562-222
Date	Oct 22, 2020
Book Page	63562/222
Instrument	126505

Lender

Name	EVOLVE BANK & TRUST
Type	Bank

Agreement

Type	Stand Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Nov 01, 2040

Tax Assessment & Valuation

Source: Worcester County and Gardner City records · Assessment roll updated April 14, 2026 · Last verified April 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Worcester County
Municipality	Gardner City
Unified School District	Gardner School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$39.00 (-99.01%)	$275,500 (+4.99%) Land $68,300 Building $207,200	$273,980
2024	$3,933.00 (+10.73%)	$262,400 (+19.16%) Land $62,100 Building $200,300
2023	$3,552.00	$220,200 Land $61,200 Building $159,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Worcester County (25027C), updated November 30, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft

Wildfire

Wildfire Risk	Low above 7% of the US · above 16% of Massachusetts
Wildfire Likelihood	Less than 1 in 10,000 per year
Exposure	Indirect within ember reach

Values are read at the parcel center point; lenders make the official flood determination.